#termmax @TermMax I’ve recently been paying attention to this— the idea of combining fixed-rate borrowing and lending with DeFi is definitely worth researching. Instead of only chasing high APY, I’m more concerned with whether protocols can help users clearly manage interest-rate risk, funding terms, and expected returns. In the next phase, if DeFi wants to attract more long-term capital, stable, transparent, and predictable return structures will likely become increasingly important. Looking forward to TermMax’s continued progress in product experience, liquidity, and real-world use cases.